The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$75,866
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,226
−HK$2,398/mo
Today · 4.125%
HK$80,624
baseline
▲ 0.50% · 4.625%
HK$85,530
+HK$4,906/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$161,248/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,414,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,400
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,664
−HK$2,296/mo
Today · 4.125%
HK$88,960
baseline
▲ 0.50% · 4.625%
HK$93,650
+HK$4,690/mo
Deposit HK$16.64M · loan HK$16.64M · min. income ≈ HK$177,920/mo (50% DSR)
Upfront cash ≈ HK$18.05M (deposit + AVD stamp duty HK$1,414,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,040
−HK$5,709/mo
▼ 0.25% · 3.875%
HK$93,871
−HK$2,878/mo
Today · 4.125%
HK$96,749
baseline
▲ 0.50% · 4.625%
HK$102,635
+HK$5,886/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$193,498/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,414,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,281
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$103,997
−HK$2,755/mo
Today · 4.125%
HK$106,752
baseline
▲ 0.50% · 4.625%
HK$112,380
+HK$5,628/mo
Deposit HK$13.31M · loan HK$19.96M · min. income ≈ HK$213,504/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,414,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,213
−HK$6,660/mo
▼ 0.25% · 3.875%
HK$109,517
−HK$3,356/mo
Today · 4.125%
HK$112,873
baseline
▲ 0.50% · 4.625%
HK$119,741
+HK$6,868/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$225,746/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,161
−HK$6,384/mo
▼ 0.25% · 3.875%
HK$121,330
−HK$3,215/mo
Today · 4.125%
HK$124,545
baseline
▲ 0.50% · 4.625%
HK$131,109
+HK$6,564/mo
Deposit HK$9.98M · loan HK$23.29M · min. income ≈ HK$249,090/mo (50% DSR)
Upfront cash ≈ HK$11.40M (deposit + AVD stamp duty HK$1,414,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$136,559
−HK$8,564/mo
▼ 0.25% · 3.875%
HK$140,807
−HK$4,316/mo
Today · 4.125%
HK$145,123
baseline
▲ 0.50% · 4.625%
HK$153,953
+HK$8,830/mo
Deposit HK$3.33M · loan HK$29.94M · min. income ≈ HK$290,246/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$151,921
−HK$8,208/mo
▼ 0.25% · 3.875%
HK$155,995
−HK$4,134/mo
Today · 4.125%
HK$160,129
baseline
▲ 0.50% · 4.625%
HK$168,569
+HK$8,440/mo
Deposit HK$3.33M · loan HK$29.94M · min. income ≈ HK$320,258/mo (50% DSR)
Upfront cash ≈ HK$4.74M (deposit + AVD stamp duty HK$1,414,015 · Scale 2, in force from 26 Feb 2026)